Interest rates

Interest rates starting from

Types of home loans Interest rates from Comparison rate Home loan explained
Variable rate home loans 4.39%pa 4.73%pa A variable home loan interest rate moves up and down with market interest rates.
Fixed rate home loans

(1 yr fixed)

4.43%pa 4.54%pa Enjoy the security of a fixed interest rate home loan. If you choose to fix your interest rate, it will not change during the fixed rate period and your repayments will remain the same.
Fixed rate home loans

(3 yr fixed)

4.34%pa 4.72%pa
Fixed rate home loans

(5 yr fixed)

4.53%pa 4.55%pa
Line of credit 4.49%pa 4.83%pa Popular for those expecting to need funds for investing or renovating – draw down the money as you need it.
Lo Doc home loans 5.24%pa 5.57%pa Less paperwork, less financials required – commonly used for self-employed borrowers.
Bridging Loans 4.84%pa 4.88%pa Homeloans’ MoniPower bridging loan combines into a single loan. Make no repayments for six months (12 months if you are building your new home), or until your existing property is sold.
Construction & vacant land loans 4.39%pa 4.73%pa On construction loans your builder will be paid in stages during the construction process and your loan balance will increase accordingly.
Non-genuine savings loans 5.00%pa 5.18%pa These loans are designed for those with less equity or deposit, and who may not have genuine savings to contribute.

Interest rates on this site were updated on 17 February 2015 and are reflective of the change to the cash rate made by the Reserve Bank of Australia on 2 February 2015. The exact date that the reduced rates are effective from varies by product – please speak to a Homeloans consultant for more information. Rates shown apply to new business only and may vary before your loan is settled. Rates shown do not apply to all loan sizes or LVRs. Click on the loan name for more information. The comparison rate is calculated on the basis of a loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms & conditions, fees, charges and credit criteria apply.

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